• Position Overview
• At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve.

We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued, and have an opportunity to contribute to the company's success. As the Commercial Credit Director, Real Estate Credit Risk Management organization for the Southeastern United States. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.

• Job Description
• + Coordinates and manages all activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.

+ Approves the extension of credit, including overdrafts, for clients of the highest complexity within prescribed approval authorities. Leads strategic discussions in committees (Credit Risk, Data Governance etc.); reviews validation outputs on data produced and delivered. Has final approval authority on an obligor's risk rating. + Maintains expert knowledge on economic, regulatory, and other trends affecting borrowers and initiates relevant analyses by leveraging key analytic partners to determine potential impacts on policy and root causes in portfolio issues to effectively manage credit portfolios. Responsible for compliance with regulatory guidance. + Ensures effective credit monitoring by the team leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics and analyzes output to inform decision - making. Documents and reports, until resolved, all credit exceptions and prepares various management summary reports. + Directs the credit policy function and credit transaction models and collaborates with first line of defense on strategic agenda to grow business with acceptable return on capital. Responsible for adherence to policy and model management processes and monitors the performance of the function to manage expected outcomes. + Directs, motivates, develops, and oversees the performance of a team of senior staff.

• Qualifications
• Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
• Preferred Skills
• Analytical Thinking, Commercial Real Estate, Competitive Advantages, Consumer Lending, Credit Risk Management, Data Analytics, Decision Making, Financial Operations, Portfolio Risk, Risk Appetite
• Competencies
• Conflict Management, Credit Analysis and Verification, Credit Risk, Decision Making and Critical Thinking, Financial Statement Analysis, Portfolio Management - 1, Products and Services, Risk Management Policies and Procedures
• Work Experience
• Roles at this level typically require a university / college degree and higher level education such as a Masters degree, PhD, or certifications.

Industry -relevant experience is typically 8+ years. At least 5 years of prior management experience is typically required. Proven leadership experience with a large scope of responsibility is required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

• Education
• Bachelors
• Certifications
• No Required Certification(s)
• Licenses
• No Required License(s)
• Pay Transparency

• Base Salary:

  $143,000.00 - $297,000.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.
• Application Window
• Generally, this opening is expected to be posted for two business days from 08/03/2026, although it may be longer with business discretion.
• Benefits
• PNC offers a comprehensive range of benefits to help meet your needs now and in the future.

Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com .

• Disability Accommodations Statement
• If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.

com . Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

• Equal Employment Opportunity (EEO)
• PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

• California Residents
• Refer to the California Consumer Privacy Act Privacy Notice (https://content.

pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.